More often than not, car insurance companies only provide a limited number of add-on coverage that policyholders can purchase. But some brands, like MSIG, offer various add-ons to fit the needs of car owners better, as people have different needs.
MSIG car insurance is quite popular in Malaysia because it offers a ton of add-on coverage for private car owners. This ranges from the usual special perils and windscreen coverage to tailor-made add-ons like Smart Key Shield and E-Hail E-Zee, exclusive to MSIG. Let’s look at the add-on coverage provided by MSIG to its comprehensive policyholders further in this article.
Accident Repair Allowance (ARA)
One-time allowance for loss of use when the vehicle is laid up in the motor workshop for repairs (excluding windscreen damage, theft, and total loss).
- Limited to one claim in each period of insurance
Driver’s Accident
Coverage for drivers and passengers against death or permanent disability due to road accidents.
- Up to RM35,000 in the event of accidental death and/or permanent disablement*
- Medical Expenses Ambulance Fees
- Hospital Income Facial/Dental Cosmetic Surgery
*The Insured will also receive Double Indemnity for accidents during nationwide Malaysian public holidays.
Special Perils
Complete coverage for loss or damage due to floods, typhoons, hurricanes, storms, tempests, volcanic eruptions, earthquakes, landslides, landslips, subsidence, or sinking of the soil/earth or other convulsions of nature.
Limited Special Perils (Non-Tariff) are also available (Limited to 25% of the Total Sum Insured).
Waiver of Compulsory Excess
Waiver of compulsory excess of RM400 if policyholder or drivers are:
- Under 21 years old
- Holds a Provisional (P) or Learner (L) driver’s licence
- Is not named in the Policy Schedule as a named driver
24-Hour Unlimited Towing Service
Unlimited towing service that benefits those who travel on the road frequently, both short and long distances.
➢ No Limit:
- Anywhere in Malaysia, including these islands only: Penang, Langkawi, Labuan, Pangkor and Redang
- Singapore
➢ 130KM Round Trip
- Thailand
- Brunei
E-Hail E-Zee
Protects car, driver and passenger when in e-hailing mode:
- Personal accident cover for driver
- Damage to your car, third-party property and third-party bodily injury
- Legal liability to passengers
- Legal liability of passengers
Smart Key Shield
Covers the cost to repair, replace and/or reprogramme your Smart Car Key in case of theft, loss, or accidental damage.
- Limited to one (1) Smart Car Key per car
- No-Claim-Discount (NCD) entitlement will not be affected
Waiver of Betterment Cost
Betterment charges are waived from the original spare parts’ cost for vehicles.
- Limited to private cars aged 5 to 15 years
Compensation for Assessed Repair Time (CART)
Covers the cost of alternative transportation after an accident based on the estimated repair time by the loss adjuster.
Available plans:
- 7, 14, or 21 days
- RM50, RM100, or RM200 per day
- Payable for partial loss (excluding windscreen damage, theft and total loss)
- No-Claim-Discount (NCD) entitlement will not be affected
Windscreen
Covers glass breakage in windscreens, windows, sunroofs and lamination or tinting film—windscreen replacement without affecting the NCD.
Strike, Riot and Civil Commotion
Protect the car against loss or damage due to strikes, riots and civil commotion.
EZ-Mile
A choice of plans with different mileage that lets motorists pay as they drive and save on premiums to suit annual car usage.
Current Year “NCD” Relief
Protects No-Claim-Discount (NCD) that may forfeit for claims under your policy.
Legal Liability of Passengers
Protects car owners and passengers against legal liability sought by a third party due to their negligence.
Inconvenience Relief Allowance
One-time lump sum payment for total loss, car theft, or damage due to flood.
Loss or Damage to Personal Belongings
One-time compensation for loss or damage to driver’s items due to snatch theft or car accident.
Transportation Allowance
Allowance to cover transportation expenses after an accident and when the vehicle is sent for repair.
MSIG car insurance add-ons
Owning a car policy can be expensive, especially when you need to consider a ton of different add-on options for different purposes. MSIG is one of the best car insurance brands in the country, but owning a policy with lots of add-ons can be a cause for concern.
To get the best value from your purchase, we highly recommend renewing your car policy on Bjak, Malaysia’s No.1 insurance portal. Get free quotes and compare policies from 18 different brands, including MSIG, at your fingertips. Click the button below to learn more on our website.
Bjak is one of Malaysia’s biggest insurance comparison websites, offering policies from over 10 brands. Get your free insurance quote from Bjak today!
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